USDC

funkinaround

> — Wow, way to go, LLM. For anyone else reading along for whatever terrible reason, go read the attestation reports. BDO confirms that Tether is backed every quarter. The attestation reports are good enough for the NYAG and are also good enough that USDC produces the same reports. Tether Truthers move goal posts and are never satisfied, which is why dinosaur-boner is so hung up on audits and doesn't attempt to challenge the assurances of Tether's backing.

_Vlxd_

1. Sell ETH 2. Withdraw USDC to fiat 3. Never look back That’s it, it’s that simple

graytleapforward

The deathblow to ADA was not onboarding USDC or Tether. I mean where were the users going to come from?.

alxkwl

Just took out $100K HELOC, yolo'd on ETH at $1800, supplied to AAVE, borrowed USDC at 50% LTV, bought Bitcoin at 65k.

NPC_With_Agency

100%. IOTA saw the vision first. The difference is infrastructure vs. standards. IOTA tried to bootstrap a whole new network from scratch. x402 just patches the existing internet (HTTP) to accept existing money (BTC/USDC). No niche token needed, just a standard protocol. Great point though. They were definitely the pioneers.

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Post is by: NPC_With_Agency and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qzbyl4/the_machine_economy_is_arriving_and_wall_street/ Right now, the market is obsessed with "Macro" — unemployment numbers, interest rates, and ETF inflows. They are treating crypto like just another high-beta tech stock. They are dead wrong. While everyone watches the *human* economy, a **non-human economy** is being built right under our noses. And unlike us, this new economy has no choice but to use crypto. We all know AI is blowing up. But here is the problem: **An autonomous AI Agent cannot walk into a bank and open a checking account.** It doesn’t have a driver’s license. It can’t pass a KYC check. It can’t get a credit card. So, if millions of AI agents need to buy data, pay for storage, or rent compute, what money are they going to use? They are going to use the only rails that are permissionless and programmable: **Crypto.** This isn't sci-fi for 2030. The plumbing is literally being laid right now. The "HTTP 402" (Payment Required) error code has been broken for 30 years. It is finally being fixed *right now*. * **Coinbase & Cloudflare** launched the **x402 Protocol**. * This standard allows AI agents to pay for resources (like reading a news article or calling an API) instantly, without a login or credit card. * Cloudflare is already handling **billions** of AI requests that can now be monetized this way. **T**he logistics of the payments is where the alpha is. * **For "Big" Payments:** Agents will likely use **USDC** (on Base/Solana/Ethereum) for larger settlements. * **For "Streaming" Payments:** Imagine an AI paying for electricity *by the second* or buying data *by the token*. You can't do that with a credit card (too slow) or even most L1s (gas fees). You need **Lightning** (or potentially high-throughput L1s) to stream money efficiently. Bottom line, Wall Street thinks the "AI Trade" is buying Nvidia stock. The *real* trade is buying the currency that the AI itself is going to earn and spend. We are front-running an entire new species of consumer. Let the tourists panic sell. The machines are bidding. **Discussion:** Do you see AI agents preferring Stablecoins (ease of use) or Native Assets (censorship resistance) for their economy? ... And obviously, this isn't financial advice. I'm just a dude with an opinion who is long Bitcoin and holds positions in the assets mentioned. This post is a thesis on market mechanics and technology. DYOR. I could be wrong. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Aerocryptic

Sold some small positions for USDC. Swapped 50% of my remaining TAO for subnet tokens as it looks like they’ve bottomed out. What’s your moves?

armchairdude

Why are we looking at web traffic instead of on-chain metrics? When is the last time you visited the website for USDC, USDT, Bitcoin or Ethereum?

Fun_Kangaroo512

Bitcoin has never had a guaranteed floor. BTC has dropped 70–85% multiple times after being “too important to fail.” ETFs reduce volatility over time, but they do not eliminate deep drawdowns. > “Bitcoin is staked with the US and Chinese government” This is false. Bitcoin cannot be staked (that’s Proof-of-Stake; BTC is Proof-of-Work). The US government holds BTC mainly from seizures (Silk Road etc.), not strategic staking. China officially bans Bitcoin trading and mining; it does not back or stake BTC. There is no sovereign staking or backing of Bitcoin. > “Bitcoin is backed by US Treasuries” Flatly incorrect. Bitcoin is not backed by anything, by design. Some stablecoins (USDT, USDC) hold US Treasuries — Bitcoin does not. ETFs may hold BTC custodially, but that is not “backing.” > “BlackRock and Coinbase are staked” Wrong terminology again. BlackRock’s ETF custodies Bitcoin, it doesn’t stake it. Coinbase acts as custodian, earning fees — not staking BTC. > “Bitcoin is more valuable at lower prices” Not economic truth. Lower prices may increase future upside and adoption incentives. But Bitcoin’s network value, security budget, and miner economics improve at higher prices, not lower. Unlike the dollar, BTC does not gain utility from being weaker. > “For Bitcoin to fail, USD and JPY would have to fail” This is provably false. Bitcoin could fail due to: regulatory bans protocol failure loss of miner security superior competing tech Fiat currencies can survive just fine without Bitcoin. Bitcoin is not systemically required for fiat survival.

Jealous_Dust_6292

Stablecoins for the US dollar are privately issued cryptocurrencies designed to maintain a 1:1 peg with the USD, usually backed by cash and US Treasury reserves. While no federal government-issued stablecoin exists yet, the most prominent, regulated options are USD Coin (USDC) by Circle and Tether (USDT).

Environmental-Fix876

1. I was wrapped in the voyager fiasco. They went down and took all of my funds and my friends with it. One of my friends was using voyager as a USDC as a savings account to farm APY at a much higher rate than his bank. All gone. We’ve received some payment back. But pennies on the dollar. 2. Have you ever tried to transfer large funds on and off of Coinbase and other platforms? You will be surprised by the security lock up risks. I’ve heard horror stories, and I’ve had an experience myself. When it happens to you, it’s a great reminder that it’s NOT your money anymore. It’s theirs, until the relinquish it to you. 3. This is the largest of all. The WHOLE point of crypto is to be DECENTRALIZED. Pull the money out of the centralized monetary system. Bring the ownership and storage of money to the individual. This allows the individual to USE the money like a bank would. Lend it, borrow with it, collect brokerage advantages with it, provide liquidity, stake it as validation. There are many ways that crypto can take the money back from institutions and give it back to the people. The way that this works is if you hold it and own it in your custodial wallet. I agree with you. The systems in place are infantile and not at all accessible. It’s changed a lot in 5 years, but it’s still a difficult learning curve. But as these technologies advance, and it becomes more accessible, this is the possible future of our monetary system. If all of these investment opportunities were seamless, it would absolutely change the whole world. Your whole point kills this possibility. It keeps the money in the hands of the institutions and the wealthy. That is not the point of cryptocurrency.

dubble22

I lost in blockfi. Your keys your coin. Why trust a stranger over yourself? For retail buy USDC and purchase. Super simple.

WormHole_15

The recurring BTC purchase couple is BTC/EUR? I don't need to swap EUR in USDT or USDC for the recurring BTC buy? What if I edit the DCA to increase or decrease the amount? Do I pay the first week fees again? Thank you for your help

ADHD-Developer

Usdt is basically US dollar backed by Tether treasury (there has been questionable reports about them before) i would recommend you to use USDC instead (more audits on their treasury and proof of backed holdings)

anymonero

APR for WBTC dropped below .01%, USDC is at 2.5%. So that would mean they don't expect BTC will go up by more than 2.5% in the next year.

ChripToh_KarenSy

Agreed, I would have done the same. Funny thing is some customers sold the BTC on the platform, which bought Bithumb some time to freeze the USDT/USDC that were exchanged from the BTC the customers sold. Not to mention the current price of BTC is not attractive for selling as well, so they should have just transferred those BTC to their wallets and hold.

MaximumStudent1839

This idea isn't novel. Back in the early days, Blast did this for its rollup. Then Hyperliquid did it for its USDH. And USDH also considered using its yield to conduct buybacks. Then you also have things like Noble trying to do this revenue share by getting other chains to adopt its USDN. Also, by the looks of their partnership with Ethena, it sounds very much like Sui's new USDsui. The trouble with these things is that ppl are reluctant to adopt them; see the discrepancy in OI between USDC and USDH pairs on Hyperliquid. Ppl use stables as collateral. The last thing you want is to put up with temporary depegs on your stable - absolute horror. If you don't hard-code your oracle to keep your native stable pegged, and put the real collateral to generate yield on another protocol, you risk depegging during periods of pressure. If ppl aren't comfortable using it as collateral, you'll have trouble generating real yield to keep these stables away from redemption. In turn, you most likely end up treating your token like a shitcoin to subsidize yield. If you hard-code your oracle to keep your native stable in peg, you open yourself up to additional attack vectors and leave users feeling uncomfortable about staying in your ecosystem.

kitrz77

I mean, I wouldn’t count USDT and USDC.

PlutoPlaneta

depeg means when 1USDC ist not worth 1USD anymore. depending on what type of stable coin it is minimal fluctuatuons are normal but once it hits 99%.xxx something of the value its considered not really stable anymore.

magus-21

> Based on this, can I assume 'aaand its gone' is not in the picture? It is. USDC's viability as a dollar promissory note is based entirely on Circle's solvency, and according to [their filings](https://finance.yahoo.com/quote/CRCL/financials/), Circle had $2.41 billion in revenue in 2025, and negative $200 million profit. Between 2021 and 2025, they made $6 billion in revenue, and negative $1.04 billion in profit. Do you want to put your money in a bank with those financials? And that's just for Circle and USDC. That doesn't account for Kraken's financial health, which is unclear because it's a private company. That being said, Circle SHOULD have enough reserves to cover any USDC issued. And they produce regular attestations to that effect. So the risk of insolvency should be pretty low. The question is, is it worth 2% extra APY to take that risk, when HYSAs already offer 4% risk free up to $250,000? >If I understand you correctly, the behind the scenes stuff is surprisingly similar to a bank, yet with better yield. I could go with that concept (Im thinking 2 year horizon in this one) Conceptually it is, except that you don't have the same insurance against failure that a bank does with the FDIC.

MemeyOreos

probably 70-80% deployed most days. been stacking SEI heavy since the price is still so low compared to where it could go. rest in USDC just in case we get another leg down but idk feels like we're closer to a run than a dump

northcasewhite

Do they trade your USDC or lend it to other people?

Aggravating_Dish_824

What stable have least risk of crash: USDC or USDT?

Large-Cow9765

Why even include USDT and USDC?

StatisticalMan

I likely am going to piss everyone off but .. I mean honestly the top 10 is why nobody takes crypto seriously. Bitcoin ok. It was first. Even if it is is replaced someday that day hasn't come yet. Ethereum obvious belongs in there. Arguably the most useful L1 even more so than bitcoin (although that hasn't helped the price). USDT and USDC ok. They aren't really crypto investments. As for the rest: * BNB - centralized shitcoin for a centralized shitchain controlled by a single exchange? * XRP - enough siad * SOL - the shitcoin engine that can't scale and routinely fails to execute * TRX - I got nothing bad to say but honestly forget it still exists * DOGE - Who is going to take that seriously * BCH - shitcoin trading on the bitcoin name Imagine if the Mag7 was this derpy.

No-Magician-2257

It is logic. The SAFU funds is holding the same asset they need to reimburse in case of hacks. If they held USDC they would need to top it up every time BTC goes up to hold same coverage ratio but by holding in btc they hedge themselves against FX rates.

deedoi28

If u search online, all bitcoin ETF averages are at 80-90k. All ETF outflows are huge. And, US GOVT would like people to buy stable coin and then they buy US bonds, not Bitcoin. Stable coin likes CIRCLE/USDC would benefit from clarity acts. I don’t understand how Bitcoin will benefit !? 🤦

coinfeeds-bot

tldr; Charles Hoskinson announced an agreement between Cardano's Pentad and Circle to integrate USDCx, a privacy-focused version of USDC, into the Cardano ecosystem. USDCx is designed for institutional use, offering private transaction details while maintaining a 1-to-1 reserve model with USDC. This integration aims to enhance Cardano's DeFi liquidity, credibility, and institutional readiness, potentially attracting more participants and strengthening its decentralized finance infrastructure. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

hi-leo-4242

You’re feeling what *everyone* feels in their first real drawdown. The emotional part doesn’t mean your plan is wrong — it means your position size is finally big enough to matter. That’s a rite of passage. Since you’re still in profit *for now*, there’s one practical thing people don’t talk about enough during dips: **tax-loss harvesting**. *NOT TAX/INVESTMENT ADVICE, DYOR.* If price drops below your cost basis on some of your buys, you can: 1. Sell the lots that are at a loss 2. Realize the capital loss for tax purposes 3. Use that loss to offset capital gains (stocks, crypto, etc.) or up to ordinary income limits (depends on country) 4. Re-enter the position after (or sometimes immediately, depending on local rules) You end up: * Still holding BTC exposure * Reducing your tax bill * Turning volatility into an asset instead of just pain Big players do this constantly in choppy markets. Retail mostly just watches PnL go red and suffers. This doesn’t change your long-term conviction — it’s just risk management and tax efficiency while you wait. Bear markets are where positioning and structure matter more than hype. Also, separate two things mentally: * Price pain (temporary, emotional) * Thesis break (fundamental, rare) If the thesis hasn’t changed, this phase is about survival and smart positioning, not prediction. First cycle hurts the most. The second one feels “normal.” The third one feels like opportunity. You’re not weak — you’re just early in the psychological game. ✨PSA: I built a product called [Accret.xyz](https://accret.xyz/) to help serious crypto investors to set up **DCA buy/sell onchain** on Base/Solana network with much lower trading fees, earn up to 7% yield on your idle USDC, **automated tax loss harvest** service (if you know, you know :) ) and 100% self-custody 💪 Give it a try if you are interested, and let me know what you thinks! KEEP CALM and HODL ON!!!

Sharlach

Coinbase pro is better if you're actively trading. We mostly just buy and hold though, so I don't even know what the fees are. We like to park cash in USDC for the yield too. Plus we do use the credit card, and that has minimum balances you have to maintain. I think in general Coinbase is the gateway crypto exchange for most people. Sleek, easy to use, and not intimidating, etc. I've personally never had a problem with anything, either, so I've had no reason to switch to anyone else. I still have the same bank account I opened when I was 18 too.

GabeSter

Personally sitting at 1 hour and 25 minutes waiting for my low four digit Kraken USDC withdrawal.

watch-nerd

USDC is a good project

watch-nerd

"Your BTC-USDC order was filled" |Price|69,420.69 USDC| |:-|:-|

CeFurkan

I started withdrawing my USDC i hope not shut downs until i do all

goldticketstubguy

Have any of you reloaded on USDC? We can all help. However low this dip goes, we have a better chance of going to the moon if we DCA together. Do you understand? Apes together, strong.

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Post is by: badco1993 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qwcbtw/kaspa/ Kaspa's tech is already a beast for real-world, everyday use: sub-second confirmations, 10 BPS on the horizon (post-Crescendo), thousands of TPS potential, near-zero fees, and pure PoW security without compromises. This makes it perfect for the one sector that's proven crypto has massive, recurring volume today—**gaming** and **esports** economies. Think about it: * In-game skins, cosmetics, loot boxes, and virtual item trading (CS2, Roblox, Fortnite-style marketplaces) generate billions in annual microtransactions. * Esports betting, play-to-earn rewards, streaming tips, cross-game asset portability—all need ultra-fast, low-latency, congestion-proof settlement. * Current chains struggle: Ethereum gas spikes kill UX, Solana has outages at peak, centralized solutions lack trust/decentralization. Kaspa solves this natively on L1—no L2 hacks needed for basic high-frequency flows. At 10 BPS, we can handle hyper-fast tx for thousands of concurrent players without blinking.The opportunity: If we drive adoption here first, we create a flywheel of daily on-chain volume that could dwarf many L1s. Gamers are young, tech-savvy, and already crypto-curious—get them using KAS for in-game purchases, and it becomes habit.Proposal: Create a dedicated Kaspa Gaming Bounty Program / Incentive FundBuild on the existing community DevFund model (donations to treasurers, public votes in #devfund/#funding-pools) and expand it specifically for gaming:Sample Bounty Ideas (with rough reward tiers in KAS): * $5,000–$20,000 equivalent in KAS → Build & open-source a Kaspa payment SDK/plugin for Unity/Unreal Engine (easy in-game tx for skins/rewards). * $10,000–$30,000 pool → First 3–5 indie games (or Roblox/Unity prototypes) that go live with Kaspa-integrated microtx (proof via on-chain volume + demo). * $2,000–$10,000 each → Wallet integrations for gaming platforms (e.g., seamless Kaspa QR/payments in Telegram mini-games, Steam-like marketplaces, or esports payout tools). * Bonus: High-throughput tools (e.g., batching for 10k+ tx/min during tournaments) or bridges for stablecoins in gaming (USDC on Kaspa for fiat-like feel). How to fund & run it: * Seed from community donations (add a "Gaming Fund" wallet address, managed via multisig + public votes like current DevFund). * Start small: Target 500k–2M KAS initial pool via crowdfunding campaign in Discord/Reddit. * Post bounties on GitHub, Discord, or a simple bounty board (inspired by Gitcoin-style but Kaspa-native). * Community/review team verifies completions (e.g., merged PR + live demo with real Kaspa tx). This isn't reinventing the wheel—Kaspa already does routine bounties and community funding pools. We're just laser-focusing on the highest-leverage vertical: gaming microtx to drive daily volume and prove Kaspa's edge.What do you think? * Would you donate to / support a Gaming-specific fund? * Devs here—interested in claiming these bounties? * Ideas for better bounty specs or first targets (e.g., specific games/studios)? * Any existing gaming projects on Kaspa we should amplify? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Dugtrio_Earthquake

Stable coins are great as an alt currency.   Seriously,  fuck Visa and Mastercard and Swift. A USDT/USDC transaction costs me $0.07 instead of the 3% interchange rate the bankers want to charge. Btc sucks as a currency because of the insane valuations.

Epictricker2025

I already bought at the beginning of the bear run namely USDC, PAXG and XAUT. But if you mean what im going to buy after the bear market it's going to be BTC, XRP and HYPE.

Rich_Butterscotch202

I’m really struggling with that. I think what I’m going to do is if the price stays firm throughout Saturday I will probably hold and then sell all of it Sunday a few hours before the Super Bowl, and keep it in USDC (Since Solana is super unstable right now) and then just watch it the following week and if it continues to go up, I will just put a little more in that I don’t mind losing… And ride that out. This coin is not connected to MrBeast so my theory is that once the Super Bowl is over and everybody sees that MrBeast did not promote it, you are going to have a lot of people that are going to exit. The majority of people already know it is not sponsored by MrBeast, but who knows the amount of people that have money in it that don’t…

Elemental_Breakdown

Don't most of the exchanges do this for you? Anyway, if you need the money for living expenses you *expected* to have, you shouldn't have invested it in anything but a savings account with interest or USDC with interest. If you don't absolutely need it then you are fine, it's doing exactly what we expected it to do and you probably need to wait until the next ATH to sell a little. The next price it's probably going to test is $68,000.

CriticalCobraz

**Key Points:** * Charles Hoskinson announced on January 29, 2026, that the Cardano Pentad and Circle have signed an integration agreement to bring USDCx to the Cardano ecosystem. * USDCx is Circle’s privacy-focused version of USDC, designed to provide a trusted dollar asset with enhanced privacy features, enabling confidential transactions on blockchain. * This integration aims to boost institutional adoption, improve liquidity, and strengthen Cardano’s DeFi ecosystem by aligning with a major stablecoin issuer. The move is part of the Cardano Pentad’s Critical Infrastructure Proposal, funded through on-chain governance.

AwareChair6095

Use the market that has lowest fees and best bid/ask spread. Probably it's cheaper to go from EUR to BTC directly, because when you first convert to USDC there will be additional fees. Other than that there is no real difference.

SirArthurPT

USDC/T are a huge danger. They can be remotely frozen.

user_name_checks_out

If you just want to convert EUR into BTC, then I don't know why you are talking about USDC. I would not use Binance, I recommend Strike, if it is available in your jurisdiction, otherwise Kraken.

Sea-Environment-5938

From a markets perspective, ADA’s underperformance isn’t that surprising. Liquidity, stablecoin depth, and active users tend to concentrate where capital efficiency is highest. ETH L2s, Solana, and Avalanche captured real USDC liquidity early, which matters a lot for trading, DeFi, and onboarding new users. Cardano’s ecosystem growth has been slower, and that shows up clearly in TVL, volumes, and dApp usage metrics. Tech philosophy aside, markets tend to reward traction first and research later.

perceptual01

By no means am I pro binance but my USDC withdrawal on kraken took 15-20 min to process the other day. We going to write an article about that too? This is silly IMO

graytleapforward

ADA never adopted USDC or USDT when it mattered. Unfortunately that ship has sailed.

durants

You say USDC on Solana, but the address you provided is an Ethereum address (0xb47d79796148c8ca5c827fa237c56a266ecf5bd2). https://etherscan.io/address/0xb47d79796148c8ca5c827fa237c56a266ecf5bd2#tokentxns Does your wallet also have access to Ethereum and its tokens?

CoinHelpGuy

Dude that Banxa/TrustWallet mess sucks—I've seen this before where funds "vanish" to random addresses but are actually stuck on Solana network. Your USDC isn't gone, just trapped on Solana (not Ethereum/Base).Quick fix: Download Phantom wallet (Solana only), import your seed phrase, swap USDC to SOL there (super cheap), then bridge/send to Base or Coinbase for Polymarket.Hit my DMs if you get stuck on the wallet import or swap—happy to walk you through it step by step.

HedgehogGlad9505

If by stable you mean the dollar value always stays the same, then USDC. If you mean something always going up every single day, such thing does not exist.

uthillygooth

USDC going to 2$ soon

jagharendratmig

Congratulations, this is a perfect time to deploy fresh money in to infrastructure related coins and eth & USDC for staking. I would say that you should wait until the current technical brakedown has stabilized. We need to get rid of some weak hands now and when we run out of sellers the price will stop falling and is ready to resume upward trajectory.

Phine420

If I find USDC in my wallet I just buy eth. Rinse and repeat

No-Contribution9918

You're not wrong, but it is also unsurprising. Mob mentality is a Reddit-wise. Cardano already has bridged USDC, and it did nothing for them. ADA and DOGE where the only two coins in the top ten to not reach a ATH in terms of price or market cap.

AutoModerator

Post is by: KarimHann and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qtlk0i/sold_btc_into_usdc_erc20_now_want_to_get_back/ Hey everyone, Quick question, looking for some advice. A while ago I sold some BTC into USDC on Ethereum (ERC-20) to sit in stablecoins for a bit. Now I want to rotate back into BTC exposure. Since I’m already on Ethereum, I’ve been looking at WBTC as the easiest way to get back into “Bitcoin” without having to bridge or move funds to a centralized exchange. From what I understand, WBTC seems to be the main BTC representation on Ethereum with the most liquidity, so swapping: USDC → WBTC on something like Uniswap feels like the most straightforward option. The reason I’m hesitant about using third-party swap services (Changelly/Rango/etc.) Or centralised exchange like coinbase,binance,kraken etc is that I’ve heard they can sometimes freeze transactions or ask for KYC/proof of funds, and I’d rather avoid that kind of hassle if possible. So I wanted to ask: • Is Uniswap the best way to do a clean USDC → WBTC swap? • Any risks I should be aware of (slippage, MEV, custodian risk with WBTC)? • Would you recommend WBTC or something else like tBTC? Appreciate any input just trying to do this in the simplest and safest way. Thanks! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

SBX-Bronx

Listen, you buy, you hold, but you do sell some eventually to take in some profits. I always wait after a year to pay less capital gains. You never sell everything. Since BTC fluctuates a lot, you can sell some when it goes up. Always have a stash you don’t sell. Then buy again when it drops. There is one thing that’s guaranteed in crypto and stocks. They will always go up and down, but don’t try to time the market. Set a percentage of profit in your mind, like let’s say. If it goes up to 40% or more and you have been holding got more than a year take the profit on 1/2 of what you own. Then keep the money in USDC earning 3.65 % and have buy orders in your advance trading exchange with that same money. So when it goes down you are buying again. Rinse and repeat.

Django_McFly

It's not *buy whenever and hodl* on "majors"... whatever that even means given what SOL and ETH did. Both of them were only above their 2021 high for like 5 hours before crashing below it. There were good gains to be made, but you have to make strategic entries now. You have to buy when it's in the shitter. BTC fell to $17k. SOL to $20. ETH was $900. As long as you started getting in by the time it was 2X off the bottom, you made out like a bandit. What you don't want to do is top tick, wait four years and find out that had you bought USDC instead and put it into Aave, you'd have made that 5% in a (singular) year.

Kind-Marionberry-333

Just so others understand what OP did was a manually operated Leveraged Long. When people say "don't play with leverage" this option is often overlooked... Sorry OP. Happened to me back when USDT and USDC depeged. You will recover ♥️

Yoxuu

Not even close, article doesn’t share the full truth. He swapped on chain like 40k BTC between Aug-Oct for 890k ETH. Sure he has like 200m in USDC just chilling as well. Painful loss for sure but nothing really for his net worth.

amyo_b

This is far better than USDC or USDT if the reserves actually undergo monthly GAAP audits. Neither of those coins do, they just do attestations, which can be faked. If Fidelity does this it could easily emerge as the most trusted of stable coins.

_Commando_

I wonder how much gold USDC has, and also the US Gov...

alfaproject

I don't know Morpho, but in Nexos when you set up the loan, you need to select the repayment date, and depending on the date, there is a minimum and maximum price that the collateral is sold for. So for instance, you borrow 4000 USDC against ETH, and then I can select to pay it in 25th December of 2026 at a minimum of 1400 or maximum of 3000. It's explained in the article that I linked as well.

PirateSKB

Made around $2200ish on a trade recently and moved it to USDC before the dip happened. No real complaints I guess

annaopolis

I’ve been here since 2020 so yes I have. Enough to know selling at a loss never makes sense and you could simply accumulate more cash to reinvest at your next buy point and lose 0. Throw a recurring USDC buy on set a limit order and close your phone. Stop screwing yourself

pcm2a

I can only think of three reasons someone would put it in USDC or USDT. (1) They are moving between tokens or waiting to enter and aren't using an exchange where it could sit as insured cash. (2) They want to gain interest that is higher than HYSA and are willing to take a risk that the token collapsed and they lose it all. (3) Non U.S. countries may want to use it as a hedge against their countries inflation, if it worse.

csfrayer

Wouldn't it be for the same reason they'd move their cash to USDC or USDT that can freeze and monitor funds?

uthillygooth

USDC going to 2$ soon.

chanmalichanheyhey

swapped some XSGD for USDC on uniswap and its hanging for the longest of time.

Patient-Bumblebee

> Once that happens or if ever does it will be a Stable coin, USDC not some random shitcoin. While that may be true, agents still need yield. They still need lending. They still need hedging. These agents wont be interacting with legacy TradFi APi. They will be interacting with DeFi. DeFi is literally programmable money. It's extremely important for agents. And its poised for huge growth as agents become in charge of our transactions.

newyorker8786

Once that happens or if ever does it will be a Stable coin, USDC not some random shitcoin.. I’ve been in this space since 2016 there was so much hype for web3 now it fizzled.

Advanced-Summer1572

Yes, the partnership between Visa and Circle to settle transactions using USDC stablecoin on the Solana blockchain is active, with expanded availability planned through 2026. This pilot allows U.S. issuer and acquirer partners to settle financial obligations directly in USDC, increasing efficiency. Key Updates as of 2026: Visa/Circle Settlement: As of December 2025, Visa announced the launch of USDC settlement for U.S. partners, with broad availability planned throughout 2026. Expansion: The program supports faster funds movement on the Solana blockchain and integrates with Circle's upcoming "Arc" blockchain. Separate Initiative: Note that a different, unrelated "Visa Bond Pilot Program" for B-1/B-2 visas is also active from August 20, 2025, to August 5, 2026.

_Jimmy_Rustler

>USDC yield at Coinbase are well below most money markets. The ongoing debate about stablecoins isn't specific to coinbase. It's about all crypto including defi. Money markets do not come close to what is offered on defi.

gcbeehler5

When was the last time you had to pay your bank a monthly fee to get a higher yield? USDC yield at Coinbase are well below most money markets.

Banvincible

Largest institutional holders are mostly American, and the value is partially pegged to the dollar through things like USDC.

uncapchad

Well I've seen many claims of deadness again today but as the saying goes, they are greatly exaggerated. There's no reason for Bitcoin to die. No exchange collapsed, no-one ran off with all of Saylor's stash. No new bannings have come into effect. In fact today Binance announced it will gradually convert its entire $1 billion Secure Asset Fund for Users (SAFU) from USDC into Bitcoin over the next 30 days, completing the transition by February 29, 2026.

RefrigeratorLow1259

This simply means that Cardano is getting a superior implementation of USDC. USDCx removes the main barrier preventing institutional players from joining the DeFi space. Standard USDC on chains like Ethereum or Solana provides transparent, 1:1 USD-backed stability for DeFi, payments, and trading, but all transaction details (sender, receiver, amounts) are publicly visible on the blockchain. Institutions do not like this.

SilkenicDud

Hey, so that advice might be worth a shot. Usually, banks see transfers as safer than card payments, so they're less likely to block them. Just keep in mind it really depends on your bank. Some folks are good for ages, while others get flagged out of nowhere if their usual activity changes – even if everything's legit. Honestly, that random uncertainty is the real issue. You could be doing the same thing each month then suddenly get frozen with zero warning. That's why some folks split things up and go with something built for crypto instead of messing with old-school bank rules. I've heard people talk about blackcatcard. It’s an EU thing that’s got your own IBAN, crypto stuff built in (buying, selling, sending BTC, ETH, USDT, USDC) and a normal Mastercard for everyday buys. Having something like that along with your regular bank can cut down on the times you get a headache, mainly when transfers are in the mix

Aerocryptic

Quite tempted to swap a bit of my USDC for PAXG on this dip

PsychologicalBit803

I’ve been buying USDC daily over a year just waiting for this dip.

genghisquan420

Even Solana earning me 6.8% feels like a great return long term (staked since 2021), I couldn’t ever imagine feeling safe at 18%. USDC is larger than UST, but still; just because stable coins have “stable” in the name doesn’t mean they are stable. I had like 100 dollars in Terra (also 18-20% apy) for the fuck of it before the death spiral and it taught me a major lesson. People lost their life savings from the UST crash, everyone loves money but I prefer stability and long term growth over being greedy and risking it all. Owning stock, real estate, precious metals, a bit of crypto, and having liquid cash works great for me. Diversifying is the most simple fundament that people just ignore a lot of the time.

Electrical_Yam_2243

Thank you. My reading comprehension may be off.. But tether wants to keep their dreams alive - they are likely backed by brics so they have plenty of dumpster fire usd - so they keep their new world coin so they can price it against a dog shit coin backed by the us and the us dollar.  Though I doubt USDC really has intentions of backing it 1 to 1. It was simply another attempt to depeg tether from people who originally hated on bitcoin and company.  They don't realize that they can't beat semiconductors and math. I honestly believe semiconductors are here by design to help us push towards a more optimal life experience here on earth. Heven. Hell. Whatever yall wanna call it.. God gifted us this opportunity. And here comes our 80 year old politicians trying to still ruin our children's potential.. Then they will beg our children to bail them out.. Shooting for nothing but profits isn't Optimal.  Besides, Aliens told me that data is our most valuable form of exchange.  But only if the world trusts that data.  No one is going to care about our bitcoin if we suddenly all die 100 years from now... But they will care about our data 

Electrical_Yam_2243

The world is moving on... USDC will not be backed one to one with the US dollar.  Anyone who believes that is a moron.  I would never purchase any stable coin backed one to one with the US dollar.  I need my future to be backed by FUTURE NOT old politicians, old economies stuck in the industrial age, old obsolete near end of life currency like the Bolivar or us dollar...  Who is going to accept your stable coin if it's backed by a currency no one wants to use anymore? Are yall really this clueless? Tether isn't going to allow dump people like Trump to ruin their idea of future.  Our government doesn't belong here.  We do.. Our government doesn't create heaven on earth. We do. Thats why gid and I am here - to get rich by killing middle men with kindness.. maybe

Electrical_Yam_2243

It's because the world wants a real currency.  Tether is the transparent one. Your government is not. Only the biggest dumbass im the world would back any stable coin one to one with a failing and obsolete economy, fed, and US Dollar in the DIGITAL AGE. You are all mostly still bots, or incredibly uneducated. This is the world leaving the US dollar behind.  No intelligent GENIUS would back ANY stable coin with the Bolivar.. OR the US Dollar.  I told yall this when your US government was here attacking tether with bots and also attacking tether alongside the other dumbasses that push USDC. I'll take tether because it is ram by people smart enough to see the brilliance.. While the US government amd USDC creators were originally oblivious and didn't get it. That's because they are morons.. But now they wamt you to think they are smart for playing catch up. Nope. You're still a loser trying to force tether to die with the US Dollar.  The world moves forward and tether, or our new and much deserved forms of exchange will have to be backed by something greater than an obsolete currency stuck in the INDUSTRIAL AGE.  YALL STILL DON'T GET IT OR FUTURE

PhoenixJ3

"Consistently" after people gave up actually using the network for daily life in 2017, when the blocks were full and fees sky high; which would happen again if network usage rose. I watched it happen in real-time. Remember when Steam accepted BTC, but then stopped because fees got too high so people stopped buying games with it? The blocksize limit is either a grave mistake or a poison pill intended to keep BTC under control. Real digital cash users have moved on to coins like USDC/USDT, BCH, and XMR.

CantStopAddicted2

Make sure u are using Pro Mode or Pay for Coinbase subscription for less fees. Also I would Buy 200 of USDC and set a daily buy through the week using the 200 in usdc to catch the daily drops and Falls for a true DCA. Only buying once a week u could miss some big dips

Phine420

I farmed it back at 30c and sold it to compound, saw the run to 2.20$ back to 50c - 1.1$ and back down where we are now. Instead of selling I deposit it at Moonwell and borrow USDC against it

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Post is by: Mobile-Apartment4513 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qqdkeq/what_is_the_best_way_to_exchange_money_to_usdc/ Basically title. What is the best exchange? I want to then transfer it to my personal wallet. I tried buying from within the wallet but the only option with reasonable fees where limited to 300 EUR. I want to exchange about 1k to USDC. For later also what is the best way to exchange USDC to FIAT? I don't really care for whether it's EUR or USD but I feel like paying like 2% fees when exchanging money is a ripoff. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Shichroron

everyone can issue a stablecoin - non of that matter. What matter are the actual stablecoin that drive transaction (basically USDT + USDC) Also speed doesn't matter above a certain threshold. Eth is fast enough.

Positive_Research402

So yo udeposit from UK bank to Sling and there you withdraw USDC to exchange like coinbase ? And the bank doesn't stops transfers towards Sling ?

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Post is by: LuminousAviator and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qq9whf/kraken_just_quietly_removed_the_30k_usd_interest/ Hey everyone, just a heads-up for anyone trading Multicollateral Futures especially in the EEA/EU but also for everyone else. Kraken just implemented a major change to how interest is charged on unrealized losses. **The Change:** The "interest-free buffer" for losing positions has been slashed from 30,000 USD to 0 USD. **Why this matters (especially for EUR / Stablecoin holders):** Kraken Futures settle in USD. If your trade is currently in the red (unrealized loss), Kraken considers that you "owe" them that USD value. * **If you have USD in your wallet:** No problem. * **If you only have EUR, EURC, USDC, USDG (or other cryptos) as collateral:** You are now technically borrowing the USD to cover that loss from the very first cent. **The Cost:** Kraken is charging **0.005% per hour** on that uncovered loss. That is roughly **43.8% APR.** **Example:** A 5,000 USD unrealized loss will cost you about 6.00 USD a day in "rent" just to keep the trade open, even if you have plenty of EUR, USDC, etc. in the account. **How to avoid it:** Make sure your **actual USD balance** (not USDC, not EUR, not crypto) is higher than your negative Unrealized PnL **inside your Futures wallet.** You can swap USDC/USDT/USDG to USD for a 0% fee inside the futures wallet to stop the bleed. **Act NOW by swapping non-USD denominated collateral into USD fiat!** *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

AutoModerator

Post is by: LuminousAviator and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qq9tzd/kraken_just_quietly_removed_the_30k_usd_interest/ Hey everyone, just a heads-up for anyone trading Multicollateral Futures especially in the EEA/EU but also for everyone else. Kraken just implemented a major change to how interest is charged on unrealized losses. **The Change:** The "interest-free buffer" for losing positions has been slashed from 30,000 USD to 0 USD. **Why this matters (especially for EUR / Stablecoin holders):** Kraken Futures settle in USD. If your trade is currently in the red (unrealized loss), Kraken considers that you "owe" them that USD value. * **If you have USD in your wallet:** No problem. * **If you only have EUR, EURC, USDC, USDG (or other cryptos) as collateral:** You are now technically borrowing the USD to cover that loss from the very first cent. **The Cost:** Kraken is charging **0.005% per hour** on that uncovered loss. That is roughly **43.8% APR.** **Example:** A 5,000 USD unrealized loss will cost you about 6.00 USD a day in "rent" just to keep the trade open, even if you have plenty of EUR, USDC, etc. in the account. **How to avoid it:** Make sure your **actual USD balance** (not USDC, not EUR, not crypto) is higher than your negative Unrealized PnL **inside your Futures wallet.** You can swap USDC/USDT/USDG to USD for a 0% fee inside the futures wallet to stop the bleed. **Official Source:** [Kraken Support: Fees & charges for multi-collateral Derivatives](https://www.google.com/search?q=https://support.kraken.com/hc/en-us/articles/4844392809620-fees-charges-for-multi-collateral-derivatives) *(Scroll to the 'Interest' section to confirm the new 0 USD threshold and 0.005% hourly rate.)* **Act NOW by swapping non-USD denominated collateral into USD fiat!** *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

LuminousAviator

# Kraken just quietly removed the 30k USD interest buffer for futures. EU / Global traders are now being charged 44% APR on EUR / USDC collateral. Hey everyone, just a heads-up for anyone trading Multicollateral Futures especially in the EEA/EU but also for everyone else. Kraken just implemented a major change to how interest is charged on unrealized losses. **The Change:** The "interest-free buffer" for losing positions has been slashed from 30,000 USD to 0 USD. **Why this matters (especially for EUR / Stablecoin holders):** Kraken Futures settle in USD. If your trade is currently in the red (unrealized loss), Kraken considers that you "owe" them that USD value. * **If you have USD in your wallet:** No problem. * **If you only have EUR, EURC, USDC, USDG (or other cryptos) as collateral:** You are now technically borrowing the USD to cover that loss from the very first cent. **The Cost:** Kraken is charging **0.005% per hour** on that uncovered loss. That is roughly **43.8% APR.** **Example:** A 5,000 USD unrealized loss will cost you about 6.00 USD a day in "rent" just to keep the trade open, even if you have plenty of EUR, USDC, etc. in the account. **How to avoid it:** Make sure your **actual USD balance** (not USDC, not EUR, not crypto) is higher than your negative Unrealized PnL **inside your Futures wallet.** You can swap USDC/USDT/USDG to USD for a 0% fee inside the futures wallet to stop the bleed. **Official Source:** [Kraken Support: Fees & charges for multi-collateral Derivatives](https://www.google.com/search?q=https://support.kraken.com/hc/en-us/articles/4844392809620-fees-charges-for-multi-collateral-derivatives) *(Scroll to the 'Interest' section to confirm the new 0 USD threshold and 0.005% hourly rate.)* **Act NOW by swapping non-USD denominated collateral into USD fiat!**

IhaveaHawaiianshirt

I know the post got deleted but It seems like a good time to buy up some USDC at the current price. it should go up again in t he future, right... heh heh heh.. right...

them_oysters

USDC

TisWha

Use sling money. Deposit cash to app, withdraw USDC to exchange or dex, buy BTC. And you can increase your limits for a short period if you explain the situation. Best on/off ramp I’ve seen.

ripple_mcgee

Never heard of 'arc' chain. Looks like a highly centralized, permissioned chain launched by Circle, the issuers of USDC. I'm skeptical.

SufficientClock4059

Hi José Thanks for this! Really appreciate this insight! The work you're doing with Hope for Haiti and VIA is exactly the kind of ecosystem development that makes Stellar compelling for builders like us. Your point about stablecoins denominated in local currency is spot-on for our market. We anticipate strong demand for both a digital HTG and DOP. Are you seeing more local issuance ore synthetic digital local currencies that are actually USDC. We want to work with the local regulators (i.e. Haitian central bank) vs. the ask for forgiveness route. Would love to learn more about Stellar's regional initiatives and explore how Theo might align. Happy to share what we're building if useful; we've got our first major enterprise customer (a major importer) signed and are targeting March launch. Thanks again for the thoughtful response!

Player11Squared

Excited for this discussion and thanks for doing this! Quick question about real-world payment infrastructure: We're building Theo, a digital bank for the Haiti-DR-US corridor launching Q1 2026. Our first signed customer will process remittances and merchant payments using USDC on Stellar to serve unbanked populations. We also want to issue new currencies on Theo as we launch in new countries. One technical question: As Stellar's smart contract ecosystem expands, what's the vision for compliance tooling? For cross-border payments serving underbanked communities, we need to balance financial inclusion with AML/KYC requirements. Are there developments in programmable compliance or regulatory adapters that could help fintechs navigate multi-jurisdiction requirements while maintaining Stellar's low-cost advantage? Looking forward to learning how the ecosystem is evolving to support regulated payment infrastructure! Thanks again for doing this!

DBRiMatt

I just buy low, sell higher. It's crazy, but it works! Kidding aside, I use cow.fi for trading, set limit orders and have been swapping in and out ETH and USDC No technical analysis, minimal chart reading, and I'm not even kidding the amount of swing trades I've successfully made from "buying back after burgers dump" is beyond memeworthy. You can read more of my simple experiment in [r/EthTrader](https://np.reddit.com/r/ethtrader/comments/1qhyc2h/trader_tuesday_active_trading_vs_passive_gains_5/) I'm definitely not a professional, nor am I am full time trader, and I do not wish to be; but, If I can make a few bucks, then so can anyone! xD

ExtentOld2417

USDC currently pays 3.5% on Coinbase (believe you need to be at the $5/month subscription tier and I’m not sure if it’s the same in the UK, but…). So you could deposit monthly there and think of it as an HYSA until you’re ready to buy